Waterloo, Belgium
Last updated on Mar 10, 2023
Summary: The approximate population of Waterloo, Belgium is 30,000. People describe Waterloo as a small, charming town with a rich history and a vibrant cultural scene. Expats love the easy access to Brussels, the friendly locals, and the beautiful parks and gardens. The weather in Waterloo is generally mild with temperatures ranging from an average high of 68°F (20°C) in the summer to an average low of 37°F (3°C) in the winter. The average cost of living in Waterloo for an expat is around $2,000 per month. The cost of a one bedroom apartment is around $1,000 per month and a two bedroom apartment is around $1,400 per month.
What do I need to know about living in Waterloo?
When we asked people what advice they would give someone preparing to move to Waterloo, they said:
"Expats considering retiring in Waterloo should be aware that the city is located in the French-speaking region of Wallonia, and that the official language is French. It is important to have a basic understanding of the language before moving to the area. Expats should also be aware that the cost of living in Waterloo is relatively high, and that the city is well-connected to the rest of Belgium and Europe by public transport. Additionally, expats should be aware that the city is home to a number of cultural attractions, including the Lion's Mound, the Wellington Museum, and the Royal Museum of the Armed Forces and Military History. Finally, expats should be aware that the city is home to a vibrant expat community, and that there are a number of expat-friendly services and activities available," remarked one expat who made the move to Waterloo.

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What do I need to know before moving to Waterloo?
When we asked people what advice they would give someone preparing to move to Waterloo, they said:
"Waterloo is a small town located in the Walloon region of Belgium, just south of Brussels. It is known for its historical sites, such as the Lion's Mound, which commemorates the Battle of Waterloo. Expats should be aware that the official language of Waterloo is French, although many locals also speak Dutch and English. Expats should also be aware that the cost of living in Waterloo is relatively high, and that the town is well-connected to the rest of Belgium and Europe by public transport. Additionally, expats should be aware that the weather in Waterloo can be quite unpredictable, with cold winters and hot summers. Finally, expats should be aware that the town is home to a diverse range of cultural activities, from music festivals to art galleries," remarked one expat who made the move to Waterloo.
How do I find a place to live in Waterloo?
We asked expats how they chose their neighborhood and found a place to live. They answered:
"If you are looking for a place to live in Waterloo, there are a few options available. You can search online for rental listings, or contact a local real estate agent to help you find a suitable property. Additionally, you can look for postings on local bulletin boards or in newspapers. You can also ask friends and family if they know of any available properties. Finally, you can visit the local town hall or other government offices to inquire about housing options," explained one expat living in Waterloo, Belgium.
What is a typical expat home or apartment like in Waterloo?
"Expat homes and apartments in Waterloo are typically modern and spacious. Many of the apartments are located in the city center, close to shops, restaurants, and other amenities. The apartments often feature large windows, allowing plenty of natural light to enter the space. Many of the homes and apartments also have balconies or terraces, providing a great outdoor space to relax and enjoy the views. Expats in Waterloo can also find homes and apartments with modern kitchens, bathrooms, and other amenities," said one expat who made the move to Waterloo.
What is the average cost of housing in Waterloo?
If you are thinking about moving to Waterloo, cost of living in probably a key consideration. Expats commented about the cost of housing:
"The cost of housing in Waterloo varies depending on the type of accommodation and location. Generally, the average cost of renting an apartment in Waterloo is around €800 to €1,200 per month, while the average cost of buying a house is around €400,000," commented one expat who made the move to Waterloo.
How do I meet people in Waterloo?
When we asked people living in Waterloo about club and activities where newcomers can meet others, they responded:
"Expats living in Waterloo can join a variety of clubs and activities, such as sports clubs, language classes, and cultural events. Expats can also meet people by attending local festivals, joining a local church or volunteering with a local charity. Additionally, many expats find it helpful to join online forums and social media groups for expats in the area, which can be a great way to meet people and learn more about the local culture," wrote a member in Waterloo.

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What should I bring when moving to Waterloo?
People living in Waterloo were asked what three things they wish they had brought and three they wish they had left behind. They wrote:
"When moving to Waterloo, it is important to pack warm clothing, as the weather can be quite cold in the winter months. It is also a good idea to bring an umbrella, as the area is known for its frequent rain showers. Additionally, it is recommended to bring comfortable walking shoes, as the city is quite walkable. Other items to consider packing include a first aid kit, a flashlight, and a map of the city. Finally, don't forget to bring any important documents, such as your passport and visa," commented one expat who made the move to Waterloo.
Where should I setup a bank account in Waterloo?
We asked expats in Waterloo what banks they use and there advice about banking. They advised:
"Expats considering retiring in Waterloo should be aware that the city is located in the French-speaking region of Wallonia, and that the official language is French. It is important to have a basic understanding of the language before moving to the area. Expats should also be aware that the cost of living in Waterloo is relatively high, and that the city is well-connected to the rest of Belgium and Europe by public transport. Additionally, the city is home to a variety of cultural attractions, including the Lion's Mound, the Wellington Museum, and the Château de La Hulpe. Finally, expats should be aware that the healthcare system in Belgium is excellent, and that there are a number of international schools in the area," commented one expat who made the move to Waterloo.
Will I be able to find a job in Waterloo?
When we asked people about industries and career opportunities in Waterloo, they reponded:
"Foreigners often have jobs in the service industry in Waterloo, such as working in restaurants, hotels, and retail stores. They may also find employment in the manufacturing sector, working in factories or in the construction industry. Other job opportunities for foreigners in Waterloo include teaching English, working in IT, and providing administrative support," wrote a member in Waterloo.
What is life like in Waterloo?
When we asked people living in Waterloo what life is like and how people spend their time, they said:
"Waterloo is a great place for expats and digital nomads to live. The city is known for its vibrant culture, excellent public transportation, and beautiful parks and gardens. Expats and digital nomads can find plenty of activities to do in the city, from exploring the historic sites to enjoying the nightlife. The city also offers a wide range of accommodation options, from luxury apartments to budget-friendly hostels. The cost of living in Waterloo is relatively low, making it an attractive destination for expats and digital nomads. Additionally, the city is home to a diverse population, making it a great place to meet people from all over the world," commented one expat who made the move to Waterloo.

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What do expats in Waterloo appreciate most about the local culture?
"Expats in Waterloo appreciate the city's rich history and culture, which is evident in its many monuments, museums, and galleries. They also enjoy the city's vibrant nightlife, with its many bars, restaurants, and clubs. Additionally, expats appreciate the city's friendly and welcoming atmosphere, as well as its excellent public transportation system. Finally, expats enjoy the city's proximity to Brussels, which allows them to easily explore the capital city and its many attractions," commented one expat who made the move to Waterloo.
What do expats find most challenging?
"Expats in Waterloo often find the language barrier to be the most challenging aspect of the local culture. As French is the primary language spoken in the region, many expats find it difficult to communicate with locals and to access services. Additionally, expats may find the local customs and traditions to be unfamiliar and difficult to navigate. Furthermore, the cost of living in Waterloo can be high, making it difficult for expats to adjust to the local economy," explained one expat living in Waterloo, Belgium.
Is there a lot of crime in Waterloo?
We asked people if there is a lot of crime. They answered:
"Waterloo is generally considered to be a safe place to live. However, like any other city, there are some areas where crime is more common. Petty theft, such as pickpocketing, is the most common type of crime in Waterloo. There have also been reports of burglaries and car break-ins in some areas," said one expat who made the move to Waterloo.
"No, there is not a lot of crime in Waterloo. According to the Ontario Provincial Police, the city of Waterloo consistently has one of the lowest crime rates in the province. Statistics from the Region of Waterloo's Police Service indicate that the city has seen an overall decrease in crime rates over the past several years. In 2018, the overall crime rate decreased by 3.2%," explained one expat living in Waterloo, Belgium.
Is there a lot of diversity? Are people in Waterloo accepting of differences?
"Waterloo is a diverse city with a variety of cultures and backgrounds represented. People in Waterloo are generally accepting of differences and strive to create an inclusive environment. The city is home to a variety of ethnicities, religions, and nationalities, and there is a strong sense of community and acceptance among its residents," wrote a member in Waterloo.

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What are the schools in Waterloo like?
"I strongly recommend! In this school, teachers including the principal would be proactive to get to know your child and they find out which way your kids learn better so that they seem to habdle different methods to different kids. As a result, a child feel that he/she is considered important so that they are encouraged to be better person and finally achieve high academic skills as well," wrote an expat with kids at European School Brussels Argenteuil in Waterloo.
"I would recommend visiting the school of course and maybe getting in touch with some parents of the same year. The admissions person is extremely helpful and accommodating," commented one expat when asked about Bogaerts International School in Waterloo.
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What are the pros and cons of living in Waterloo?
Expats, digital nomads and retirees living in Waterloo responded:
"Expats and digital nomads living in Waterloo appreciate the city's convenient location near Brussels, its vibrant cultural scene, and its excellent public transportation system. They also enjoy the city's many parks and green spaces, as well as its diverse range of restaurants and cafes. On the other hand, some expats and digital nomads may find the cost of living in Waterloo to be relatively high, and the city's weather can be unpredictable," mentioned an expat living in Waterloo.

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What type of social life can someone expect in Waterloo?
When we asked expats and global nomads about their social experiences in Waterloo, they replied:
"Expats, retirees and digital nomads living in Waterloo typically have an active social life. There are many opportunities to meet people and make friends, such as attending local events, joining clubs and organizations, and taking part in activities at the local community centre. There are also plenty of bars, restaurants and cafes where people can socialize and get to know each other. Additionally, Waterloo is close to Brussels, which offers a wide range of cultural activities and events that expats, retirees and digital nomads can take part in," wrote one expat living in Waterloo.
"Waterloo is a vibrant and lively city with plenty of social activities to enjoy. There are a variety of bars, pubs, and clubs to explore, as well as a range of cultural events and activities to take part in. The city also hosts a number of festivals throughout the year, such as the Waterloo Jazz Festival and the Waterloo Carnival. There are also plenty of outdoor activities to enjoy, such as walking and cycling along the many trails in the area. With its rich history and culture, Waterloo is a great place to meet new people and make new friends," mentioned one expat inWaterloo.
What advice to expats in Waterloo have about housing?
"Expats in Waterloo recommend researching the area thoroughly before committing to a rental property. It is important to consider the proximity to public transportation, local amenities, and the safety of the neighborhood. Additionally, it is important to be aware of the local rental laws and regulations, as well as the cost of utilities and other expenses. It is also recommended to visit the property in person before signing a lease, and to ask for references from previous tenants," mentioned an expat living in Waterloo.
What are medical services in Waterloo like?
When we asked expats and global nomads about the quality of medical care in Waterloo, they replied:
"Waterloo is home to a variety of medical services. The city has a number of hospitals, clinics, and medical centers that provide a range of services, from general medical care to specialized treatments. The city also has a number of pharmacies, where residents can purchase over-the-counter medications and other health-related products. Additionally, Waterloo has a number of medical professionals, such as doctors, nurses, and other healthcare professionals, who are available to provide medical advice and treatment," remarked one expat in Waterloo.
Are healthcare and health insurance expensive in Waterloo?
"Healthcare and health insurance in Waterloo are generally considered to be quite expensive. The cost of healthcare services, such as doctor visits and hospital stays, can be quite high, and health insurance premiums can also be quite costly. However, the Belgian government does provide subsidies for those who cannot afford health insurance, and there are also a number of private health insurance companies that offer competitive rates," commented one expat who moved to Waterloo.

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Is the cost of living in Waterloo high?
We asked people about the cost of living in Waterloo, they wrote:
"The cost of living in Waterloo is generally considered to be quite high. Rental prices for a nice 1 bedroom apartment in Waterloo, Belgium can range from around $1,000 to $1,500 USD per month, while a nice 2 bedroom apartment can range from around $1,500 to $2,000 USD per month. Eating dinner at a moderately priced restaurant in Waterloo, Belgium can cost around $20 USD per person," mentioned one expat inWaterloo.
What are the visa & residency requirements in Waterloo?
"In order to visit or stay in Waterloo, visitors must obtain a visa from the Belgian Embassy or Consulate in their home country. The visa application process requires applicants to submit a valid passport, a completed visa application form, a passport-sized photograph, proof of financial means, and a valid travel insurance policy. Depending on the purpose of the visit, additional documents may be required. In order to apply for residency in Waterloo, Belgium, applicants must submit a valid passport, a completed residency application form, a passport-sized photograph, proof of financial means, and a valid travel insurance policy. Depending on the purpose of the residency, additional documents may be required. Applicants must also provide proof of employment or study in Belgium, proof of accommodation, and proof of sufficient funds to support themselves during their stay. Once the application is approved, applicants will receive a residence permit, which must be renewed every year," remarked one expat in Waterloo.
Why do people move to Waterloo?
When we asked people why foreigners move to Waterloo, they responded:
"Waterloo is an attractive destination for expats due to its convenient location near Brussels, its vibrant cultural scene, and its excellent quality of life. The city is known for its beautiful architecture, its many parks and green spaces, and its excellent public transportation system. Additionally, Waterloo is home to a diverse population of international students, professionals, and entrepreneurs, making it a great place to meet new people and build a network. With its low cost of living, excellent job opportunities, and high quality of life, Waterloo is an ideal destination for expats looking to make a new home," wrote one expat living in Waterloo.
About the Author
Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International
and Mass Market Marketing. She graduated from Ohio Wesleyan University
with a BA in International Business and German.
Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.
Other Questions:
- What do I need to know before moving to Waterloo?
- What is a typical expat home or apartment like in Waterloo?
- What is the average cost of housing in Waterloo?
- How do I meet people in Waterloo?
- What do I need to know before retiring in Waterloo?
- What should I pack when moving to Waterloo?
- Where should I setup a bank account in Waterloo?
- Will I be able to find a job in Waterloo?
- What is life like as an expat in your area?
- What do people like (and dislike) about Waterloo?
- What type of social life can someone expect in Waterloo?
- What is the social scene like in Waterloo?
- What advice to expats in Waterloo have about housing?
- What are medical services in Waterloo like?
- Are healthcare and health insurance expensive in Waterloo?
- Is the cost of living in Waterloo high?
- What are the visa & residency requirements in Waterloo?
- Why do people move to Waterloo?